On February 16, 2025 we started enforcing daily limits on how many courses a customer can take in a day.
Currently, a customer can take a maximum of 15 CE credits in a single day. That’s 15 different one-hour courses and it’s really very much the upper limit of how many courses someone can reasonably get through in a given day.
If we determine that customers are abusing our system and skipping through our courses, we reserve the right to reduce that to an even lower number at some point in the future.
Why did we do this? We audited some of our customer base and were surprised to find out that some people were skipping through their courses. We don’t want that and so we came up with some technical ways to protect customers from their own urges.
Some provinces set lower daily limits on how many courses you can take in a day. More on that below.
We work hard to make courses with timely, relevant information for insurance professionals. It takes many hours of work to produce a single course that lasts just one hour. We want everyone who takes a course from us to listen to the entire video before taking the test.
Customers Need to Watch the Course Material
One CE credit is one hour of course material. To earn the credit you need to go through the course material and complete the test/quiz at the end. However, we can’t force someone to watch an hour-long video. We can’t glue your eyes to the screen.
It’s logical that in any given 24-hour period there’s only so many hours someone can sit in front of a computer taking courses. Right now that limit we enforce is 15 hours. But the reality is most people should try to limit themselves to even less than that, perhaps 3 or 4 hours a day, maybe 7 hours maximum before fatigue starts to play a factor.
Why Not Set Even Harder Limits?
There are a number of reasons why we don’t set more stringent limits in our system such as forcing a customer to watch the entire video before the quiz is made available for submission:
- It improves learning to be able to answer the quiz questions while going through the material. Some test questions are harder than others to answer and by reading the questions while going through the course and anticipating the answer by waiting for the topic to come up in the course material, it reinforces someone’s learning on that topic. People should be able to get all the right answers just by listening to the course in its entirety.
- Sometimes, life happens. You may get interrupted by a phone call or an urgent email while taking a course. Maybe you need to pause the course, come back later and fast-forward to where you left off. If we forced you to sit through the entire hour again a customer in this situation would not be very happy and could end up spending multiple hours on a single one-hour course.
- You may split up a single course over several days, particularly for courses with especially dense material that cover a lot of ground. Some people will launch a course, start taking it and come back the next day to finish it. We leave the course marked “in progress” so it’s easy to be launched again.
- Perhaps you’re a life insurance agent who has been selling insurance for over 35 years. If you take one of our simpler courses such as insurance contract law or legal basics, it’s conceivable you already know the topic in great depth. We can’t force you to tape your eyeballs to the screen watching the course but we do expect you to still review the material and it’s fine to jump around but we still expect you to spend an hour on the course like everyone else.
- We are all adults and everyone with a license to sell insurance needs to take that responsibility seriously. You can’t physically take 30 hours of material in a single 24-hour day and that should be so obvious that we shouldn’t even need to state the impossible.
Let’s Be Real
It’s unfortunate that a small number of customers decided to skip through the courses we provided and challenged the quiz, claiming they took 30 hours of courses in a single day. Obviously that’s not possible unless you started many of those courses on a previous day.
We audited our customer base in January 2025 and when we determined some people were doing this, we decided as a team to implement hard limits. It protects customers from themselves and any urge to skip through a course.
Gentle Warnings through Pop-Ups
After taking six (6) or more courses in a single day, we start issuing pop-up warnings for each course encouraging you to take a break and come back tomorrow. “Consider taking a break and coming back tomorrow.”
After taking ten (10) or more courses in a single day, we provide a warning for each course that says, “You’re nearing the limit of how many courses you can take in a day.”
And then you are cut off after 15 courses in a given day, regardless of how many credits you’ve purchased. We think this is very generous and more than fair to help prevent abuse of our system.
Varying Provincial Limits Across Canada
We may change the limits again in the future but we strongly feel that we shouldn’t have to. A professional should be able to manage their time and the courses they take as they best see fit.
In some provinces like Saskatchewan, the ICS states that license holders should only take a maximum of 7 CE credits per day. An insurance professional in Saskatchewan should know this and they don’t need us to parent them. Perhaps they are licensed in multiple provinces and want to continue taking courses for those provinces where limits have not been set. How could we know all the provinces where an individual is licensed and why should we enforce a limit and end up with an unhappy customer?
Avoiding “Shame and Blame”
The reality is we do track the amount of time that someone spends on a course. We know exactly how much time has elapsed from when you first launch a course until you’ve submitted the quiz questions. We we not provide this information to a third party as it violates our privacy policy. But we might start making this very visible to our customers in an attempt to “shame and blame” them. Is this a good idea, and where does it end?
We have the ability to start “shaming” people for skipping through a course.
We could start displaying how much time you actually spent on each course.
We have the ability to force a customer to review the entire 1-hour course, without being able to skip forward or rewind or pause the video, before making the quiz available.
But we don’t really want to do any of the above, nor should we have to. We are all professionals.
Try insurancelink today
Our most popular bundle is 30 CE credits, and it’s most commonly purchased by life insurance professionals in Ontario who need to report their hours to FSRA. But sometimes customers licensed in multiple provinces will purchase this bundle as well, in order to earn CE credits across all the provinces they are licensed in.
Go through the material for each course before submitting your test answers.
Spread out your learning over multiple days and take 3 or 4 courses a day ideally.
Learn something new. That’s what it’s all about.
We do offer smaller packages like 20 CE credits for customers we perhaps need 30 credits total but already earned a few through other sources.
What’s popular in other provinces like BC, Alberta, Saskatchewan and Manitoba is our 15 CE credit package for Life, Accident & Sickness license holders because most commonly people in those provinces need to earn 15 credits per year of CE.
We also offer a free CE course for potential customers who want to try out our system before making a purchase. More details on our free course here.
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